Fail to Surrender Insurance Card – Section 3.1
If the driver of a motor vehicle cannot provide proof of valid insurance, the officer has two (2) options. If the driver is the owner of the vehicle the officer can charge the driver with;
- Operate a motor vehicle without insurance, or
- Fail to surrender insurance card
Usually if the driver has merely forgotten the insurance slip they can attend at the court and the charge will normally be canceled.
If the driver pays a ticket for “Fail to Surrender Insurance Card” the ticket will go onto the driver’s abstract for three (3) years and can affect the insurance rates, even if the driver did have insurance.
If the driver of the motor vehicle is not the owner of the vehicle, the officer cannot charge “driver” with Operate a Motor Vehicle Without Insurance.
The police officer can only charge the “operator or driver” with the offence of fail to surrender evidence of insurance. The fine for Fail to Surrender Insurance card is sixty five ($65.00) dollars.
The police officer may then contact the owner of the vehicle up to three (3) years from the date of offence to investigate whether or not there was insurance coverage. Should the police officer investigate the owner and find that there was not insurance coverage, the officer may lay a charge of “Permit a Motor Vehicle to be Operated Without Insurance”.
If you are charged with the offence of Fail to Surrender Insurance Card, most court prosecutors will cancel the ticket if you appear at the court with a copy of the valid insurance.
If you are concerned about how to do this, you can Call OTT Legal at any of our seven offices and we can help you get this ticket canceled.